/* The FinancialU — Lending protocol page
   Brand tokens: see brand/BRAND.md. Use variables, not raw hex. */
:root{
  --navy:#0E2A47; --navy-2:#163759; --navy-3:#0A1F35; --navy-ink:#081A2C;
  --emerald:#1F9D6B; --emerald-lt:#3FC98E; --emerald-dk:#17805A;
  --gold:#E3A93B; --gold-dk:#C98F22; --gold-soft:#F3DDB0;
  --slate:#5A6878; --mist:#F4F6F8; --line:#DDE3E9; --line-dk:rgba(255,255,255,.14); --white:#fff;
  --font:"Montserrat",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --text-xs:clamp(.75rem,.72rem + .15vw,.8125rem);
  --text-sm:clamp(.875rem,.85rem + .15vw,.9375rem);
  --text-base:clamp(1rem,.97rem + .15vw,1.0625rem);
  --text-lg:clamp(1.125rem,1.05rem + .35vw,1.3rem);
  --text-xl:clamp(1.75rem,1.3rem + 1.8vw,2.75rem);
  --text-hero:clamp(2.4rem,1.4rem + 3.6vw,4.5rem);
  --radius:6px; --radius-lg:10px;
  --shadow:0 1px 2px rgba(14,42,71,.05),0 12px 32px rgba(14,42,71,.08);
  --section:clamp(4.5rem,9vw,8rem);
  --ease:cubic-bezier(.16,1,.3,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);font-size:var(--text-base);line-height:1.65;color:var(--slate);background:var(--white);-webkit-font-smoothing:antialiased;font-variant-numeric:tabular-nums}
img{max-width:100%;height:auto;display:block}
h1,h2,h3{color:var(--navy);line-height:1.1;margin:0 0 .6em;letter-spacing:-.02em;text-wrap:balance}
h1{font-size:var(--text-hero);font-weight:700}
h2{font-size:var(--text-xl);font-weight:700}
h3{font-size:var(--text-lg);font-weight:700;letter-spacing:-.01em}
p{margin:0 0 1em;text-wrap:pretty}
a{color:var(--emerald-dk)}
strong,b{color:var(--navy);font-weight:700}
.wrap{width:min(1200px,100% - 2.5rem);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6rem 1rem;z-index:100}
.skip:focus{left:1rem}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.eyebrow{display:flex;align-items:center;gap:.75rem;font-size:var(--text-xs);font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--emerald);margin-bottom:1.1rem}
.eyebrow-gold{color:var(--gold)}
.eyebrow-slate{color:var(--slate)}
.eyebrow .rule{display:inline-block;width:36px;height:1px;background:currentColor}
.small{font-size:var(--text-sm)}
.muted{opacity:.7}
.em{color:var(--emerald)}
.gold{color:var(--gold-dk)}
.note{font-size:var(--text-xs);color:var(--slate);margin:.9rem 0 0;line-height:1.5}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6rem;font:700 var(--text-xs)/1 var(--font);letter-spacing:.12em;text-transform:uppercase;padding:1.05rem 1.5rem;border-radius:var(--radius);border:1px solid transparent;text-decoration:none;cursor:pointer;transition:background .25s var(--ease),color .25s,border-color .25s,transform .25s var(--ease);white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-sm{padding:.8rem 1.1rem}
.btn-emerald{background:var(--emerald);color:#fff}.btn-emerald:hover{background:var(--emerald-dk)}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:var(--gold-dk)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2)}
.btn-outline-light{border-color:rgba(255,255,255,.4);color:#fff;background:transparent}.btn-outline-light:hover{border-color:#fff;background:rgba(255,255,255,.06)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid transparent;transition:border-color .2s}
.site-header.scrolled{border-color:var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:76px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--navy)}
.brand-mark{width:30px;height:36px;flex:none}
.brand-word{font-size:1.3rem;letter-spacing:-.01em;white-space:nowrap}
.brand-word .w-the{font-weight:400}.brand-word b{font-weight:700;color:inherit}.brand-word .w-u{font-weight:800;color:var(--emerald)}
.brand-light{color:#fff;--mark-u:#fff;--mark-bars:var(--emerald-lt)}.brand-light .w-u{color:var(--emerald-lt)}
.nav{display:flex;align-items:center;gap:2rem}
.nav a:not(.btn){color:var(--navy);text-decoration:none;font-size:var(--text-sm);font-weight:500;position:relative}
.nav a:not(.btn)::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:1px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease)}
.nav a:not(.btn):hover::after{transform:scaleX(1)}
.menu-btn{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;position:relative}
.menu-btn span{position:absolute;left:11px;right:11px;height:2px;background:var(--navy);transition:transform .2s}
.menu-btn span:first-child{top:17px}.menu-btn span:last-child{top:25px}
.menu-btn[aria-expanded="true"] span:first-child{transform:translateY(4px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span:last-child{transform:translateY(-4px) rotate(-45deg)}

/* Hero */
.hero{position:relative;background:var(--navy-ink);color:#C9D3DE;overflow:hidden;isolation:isolate}
.hero-bg{position:absolute;inset:0;z-index:-1}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:62% center}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(8,26,44,.96) 0%,rgba(8,26,44,.86) 38%,rgba(8,26,44,.35) 70%,rgba(8,26,44,.55) 100%),linear-gradient(0deg,rgba(8,26,44,.7),transparent 35%)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.85fr);gap:clamp(2rem,5vw,5rem);align-items:center;min-height:min(86vh,820px);padding-block:clamp(4rem,9vw,7rem)}
.hero h1{color:#fff;margin-bottom:1.5rem}
.hero h1 .hl{color:var(--gold);font-weight:300}
.lede{font-size:var(--text-lg);line-height:1.6;max-width:36rem;color:#C9D3DE;margin-bottom:2.2rem}
.hero-ctas{display:flex;flex-wrap:wrap;gap:.9rem}

/* Rule of 72 dial */
.dial{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);padding:clamp(1.5rem,3vw,2.25rem);box-shadow:var(--shadow);color:var(--slate)}
.dial-label{font-size:var(--text-xs);font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--navy);margin-bottom:1rem}
.dial-formula{display:flex;flex-wrap:wrap;align-items:baseline;gap:.15rem .5rem;color:var(--navy);font-size:clamp(1.8rem,1.3rem + 1.6vw,2.6rem);font-weight:300;letter-spacing:-.02em;margin-bottom:1.25rem;line-height:1.1}
.dial-formula .op{color:var(--navy);font-weight:300}
.dial-formula output{font-weight:700}
.dial-formula .pct{font-weight:700;margin-left:-.45rem}
.dial-formula .em{color:var(--emerald-dk)}
.dial-formula .unit{flex-basis:100%;font-size:var(--text-sm);font-weight:500;letter-spacing:.02em;color:var(--slate)}
.dial-scale{display:flex;justify-content:space-between;font-size:var(--text-xs);color:var(--slate);margin-top:.4rem}
.dial-result{border-top:1px solid var(--line);margin-top:1.4rem;padding-top:1.2rem}
.dial-result .small{margin:0}
.dial-result .muted{opacity:1}
.dial-big{font-size:clamp(1.6rem,1.2rem + 1.3vw,2.2rem);font-weight:700;color:var(--navy);margin:.25rem 0 .2rem;letter-spacing:-.02em}

/* Range input */
.range{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;cursor:pointer;--p:50%}
.range::-webkit-slider-runnable-track{height:3px;border-radius:2px;background:linear-gradient(90deg,var(--emerald) var(--p),var(--line) var(--p))}
.range::-moz-range-track{height:3px;border-radius:2px;background:var(--line)}
.range::-moz-range-progress{height:3px;background:var(--emerald)}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#fff;border:2px solid var(--navy);margin-top:-8.5px;box-shadow:0 2px 6px rgba(14,42,71,.25)}
.range::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:2px solid var(--navy)}
.range-dark::-webkit-slider-runnable-track{background:linear-gradient(90deg,var(--gold) var(--p),var(--line) var(--p))}
.range-dark::-moz-range-track{background:var(--line)}
.range-dark::-moz-range-progress{background:var(--gold)}
.range-dark::-webkit-slider-thumb{border-color:var(--gold);background:var(--navy)}
.range-dark::-moz-range-thumb{border-color:var(--gold);background:var(--navy)}

/* Sections */
.section{padding-block:var(--section)}
.section-mist{background:var(--mist)}
.section-navy{background:var(--navy);color:#B9C6D4}
.section-navy h2,.section-navy b{color:#fff}
.section-head{max-width:46rem;margin-bottom:clamp(2.5rem,5vw,4rem)}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(2.5rem,6vw,6rem);align-items:start}

/* Yield */
.formula-pair{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin-top:2rem}
.formula-pair div{background:#fff;padding:1.25rem 1.25rem}
.formula-pair .f{display:block;font-size:var(--text-lg);font-weight:700;color:var(--navy)}
.formula-pair .f-l{font-size:var(--text-sm)}
.table-card{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:clamp(1.25rem,3vw,2rem);box-shadow:var(--shadow)}
.table-card figcaption{font-size:var(--text-xs);font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--navy);margin-bottom:1rem}
.doubling{width:100%;border-collapse:collapse;font-size:var(--text-sm)}
.doubling th{text-align:left;font-weight:600;color:var(--slate);font-size:var(--text-xs);padding:.6rem .5rem;border-bottom:1px solid var(--navy)}
.doubling td{padding:.85rem .5rem;border-bottom:1px solid var(--line);color:var(--navy);font-weight:500}
.doubling th:last-child,.doubling td:last-child{text-align:right}
.doubling tr.is-hl td{background:rgba(31,157,107,.07);font-weight:700}
.doubling tr.is-hl td:last-child{color:var(--emerald-dk)}
.stat-row{display:grid;grid-template-columns:1fr 1fr 1.4fr;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;margin-top:clamp(3rem,6vw,5rem)}
.stat{background:#fff;padding:clamp(1.4rem,3vw,2.2rem)}
.stat-k{font-size:var(--text-xs);font-weight:600;letter-spacing:.12em;text-transform:uppercase;margin-bottom:.6rem}
.stat-v{font-size:clamp(2rem,1.4rem + 2vw,3.2rem);font-weight:700;color:var(--navy);letter-spacing:-.03em;line-height:1;margin:0 0 .4rem}
.stat-v.em{color:var(--emerald)}
.stat-v.gold{color:var(--gold-dk)}
.stat .small{margin:.6rem 0 0}
.inverse{display:grid;grid-template-columns:minmax(0,.6fr) minmax(0,1.4fr);gap:2rem;margin-top:clamp(3rem,6vw,4.5rem);padding-top:2rem;border-top:1px solid var(--line)}
.inverse-copy{font-size:var(--text-lg);color:var(--navy);font-weight:400;line-height:1.5;margin:0;max-width:44rem}

/* Paths */
.paths{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1rem,2vw,1.5rem)}
.path{border-radius:var(--radius-lg);padding:clamp(1.75rem,4vw,3rem);display:flex;flex-direction:column}
.path-lend{background:#fff;border:1px solid var(--line)}
.path-borrow{background:var(--navy);color:#B9C6D4}
.path-borrow h3,.path-borrow b{color:#fff}
.path-tag{font-size:var(--text-xs);font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--emerald);margin-bottom:.8rem}
.path-borrow .path-tag{color:var(--gold)}
.path h3{font-size:clamp(1.5rem,1.2rem + 1vw,2rem)}
.steps{list-style:none;counter-reset:s;padding:0;margin:1.5rem 0;border-top:1px solid var(--line)}
.path-borrow .steps{border-color:var(--line-dk)}
.steps li{counter-increment:s;display:grid;grid-template-columns:2.5rem 1fr;gap:0 .5rem;padding:1rem 0;border-bottom:1px solid var(--line)}
.path-borrow .steps li{border-color:var(--line-dk)}
.steps li::before{content:"0" counter(s);grid-row:span 2;font-size:var(--text-sm);font-weight:700;color:var(--emerald)}
.path-borrow .steps li::before{color:var(--gold)}
.steps b{font-size:var(--text-base)}
.steps span{font-size:var(--text-sm)}
.suits{font-size:var(--text-sm);margin-bottom:1.75rem}
.suits span{display:block;font-size:var(--text-xs);font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--navy);margin-bottom:.25rem}
.path-borrow .suits span{color:#fff}
.path .btn{margin-top:auto;align-self:flex-start}
.why{margin-top:clamp(3rem,6vw,4.5rem)}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(1.5rem,3vw,3rem);margin-top:1.5rem}
.why-n{font-size:var(--text-xs);font-weight:700;color:var(--gold-dk);letter-spacing:.14em;border-top:1px solid var(--navy);padding-top:1rem;margin-bottom:.6rem}
.why-grid p{font-size:var(--text-sm)}

/* Image band */
.band{position:relative;display:grid;grid-template-columns:1.1fr 1fr;background:var(--navy-ink);min-height:420px}
.band img{width:100%;height:100%;object-fit:cover;max-height:620px}
.band-copy{display:flex;flex-direction:column;justify-content:center;padding:clamp(2.5rem,6vw,6rem)}
.band-q{font-size:clamp(1.6rem,1.1rem + 1.8vw,2.6rem);font-weight:300;line-height:1.25;color:#fff;letter-spacing:-.02em;margin-bottom:1.5rem}
.band-s{text-wrap:balance;font-size:var(--text-xs);font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin:0}

/* Calculators */
.tabs{display:inline-flex;gap:.25rem;padding:.3rem;background:var(--mist);border-radius:var(--radius-lg);margin-bottom:1.5rem;flex-wrap:wrap}
.tabs button{font:600 var(--text-sm)/1 var(--font);color:var(--slate);background:transparent;border:0;padding:.9rem 1.3rem;border-radius:var(--radius);cursor:pointer;transition:background .2s,color .2s}
.tabs button[aria-selected="true"]{background:#fff;color:var(--navy);box-shadow:0 1px 3px rgba(14,42,71,.12)}
.calc{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.4fr);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;background:#fff;box-shadow:var(--shadow)}
.calc[hidden]{display:none}
.calc-inputs{padding:clamp(1.5rem,3vw,2.25rem);background:var(--mist);display:flex;flex-direction:column;gap:1.25rem;border-right:1px solid var(--line)}
.field{display:flex;flex-direction:column;gap:.45rem;min-width:0}
.field label{display:flex;justify-content:space-between;gap:.5rem;font-size:var(--text-xs);font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--navy)}
.field label output{font-weight:700;color:var(--emerald-dk);text-transform:none;letter-spacing:0;font-size:var(--text-sm)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.inp{display:flex;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:0 .9rem;transition:border-color .2s}
.inp:focus-within{border-color:var(--navy)}
.inp span{color:var(--slate);font-weight:500}
.inp input{flex:1;min-width:0;border:0;outline:0;background:transparent;font:600 var(--text-base) var(--font);color:var(--navy);padding:.8rem .4rem;font-variant-numeric:tabular-nums}
.field select,.brief-form input,.brief-form select,.brief-form textarea{font:500 var(--text-base) var(--font);color:var(--navy);background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:.8rem .9rem;width:100%}
.field select:focus,.brief-form input:focus,.brief-form select:focus,.brief-form textarea:focus{outline:0;border-color:var(--navy)}
.calc-out{padding:clamp(1.5rem,3vw,2.25rem);display:flex;flex-direction:column;gap:1.5rem;min-width:0}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem 1.5rem}
.kpi-main{grid-column:1/-1;padding-bottom:1rem;border-bottom:1px solid var(--line)}
.kpi-k{font-size:var(--text-xs);font-weight:600;letter-spacing:.08em;text-transform:uppercase;margin-bottom:.35rem}
.kpi-v{font-size:clamp(2.2rem,1.5rem + 2.4vw,3.6rem);font-weight:700;color:var(--navy);letter-spacing:-.03em;line-height:1;margin:0}
.kpi-v.sm{font-size:clamp(1.15rem,1rem + .6vw,1.5rem);letter-spacing:-.01em}
.kpi-v.em{color:var(--emerald)}
.chart-wrap svg{width:100%;height:auto;display:block}
.legend{display:flex;flex-wrap:wrap;gap:1.25rem;font-size:var(--text-xs);margin-top:.6rem}
.lg{display:inline-flex;align-items:center;gap:.45rem}
.lg::before{content:"";width:14px;height:3px;border-radius:2px}
.lg-a::before{background:var(--emerald)}
.lg-b::before{background:var(--gold)}
.lg-c::before{background:var(--slate);opacity:.5}
.gap-line{font-size:var(--text-sm);color:var(--navy);margin:0;padding:1rem 1.2rem;background:var(--mist);border-left:3px solid var(--gold);border-radius:0 var(--radius) var(--radius) 0}
.gap-line:empty{display:none}
.cushion-bar{position:relative;height:18px;background:rgba(31,157,107,.14);border-radius:3px;overflow:hidden;margin-bottom:.5rem}
.cb-loan{position:absolute;left:0;top:0;bottom:0;background:var(--navy);transition:width .3s var(--ease)}
.cb-liq{position:absolute;top:-4px;bottom:-4px;width:2px;background:#C0392B;transition:left .3s var(--ease)}
.cushion-scale{display:flex;justify-content:space-between;font-size:var(--text-xs);margin-bottom:1rem}
.health{font-size:var(--text-sm);padding:1rem 1.2rem;border-radius:var(--radius);font-weight:500}
.health.ok{background:rgba(31,157,107,.1);color:var(--emerald-dk)}
.health.warn{background:rgba(227,169,59,.16);color:#8A5E10}
.health.bad{background:rgba(192,57,43,.1);color:#A5281B}
.disclaim-sm{font-size:var(--text-xs);margin-top:1.25rem;max-width:56rem}

/* Q&A */
.split-qa{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr)}
.qa details{border-top:1px solid var(--line-dk)}
.qa details:last-child{border-bottom:1px solid var(--line-dk)}
.qa summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:1rem;align-items:center;padding:1.3rem 0;font-weight:600;color:#fff;font-size:var(--text-base)}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";font-weight:300;font-size:1.6rem;line-height:1;color:var(--gold);transition:transform .3s var(--ease)}
.qa details[open] summary::after{transform:rotate(45deg)}
.qa details p{margin:0 0 1.4rem;font-size:var(--text-sm);max-width:40rem}

/* Resources */
.res-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:clamp(1rem,2vw,1.5rem)}
.res{display:flex;flex-direction:column;text-decoration:none;color:var(--slate);border:1px solid var(--line);border-radius:var(--radius-lg);padding:clamp(1.5rem,3vw,2rem);transition:border-color .25s,transform .25s var(--ease),box-shadow .25s}
.res:hover{border-color:var(--navy);transform:translateY(-2px);box-shadow:var(--shadow)}
.res-feature{background:var(--navy);border-color:var(--navy);color:#B9C6D4}
.res-feature h3{color:#fff}
.res-type{font-size:var(--text-xs);font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--emerald);margin-bottom:2.5rem}
.res-feature .res-type{color:var(--gold)}
.res p:not(.res-type){font-size:var(--text-sm)}
.res-link{margin-top:auto;padding-top:1rem;font-size:var(--text-xs);font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy)}
.res-feature .res-link{color:var(--gold)}
.brief{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.6fr);gap:2rem;align-items:start;margin-top:clamp(2.5rem,5vw,4rem);padding-top:2.5rem;border-top:1px solid var(--line)}
.brief h3{margin-bottom:.4rem}
.brief p{font-size:var(--text-sm);margin:0}
.brief-form{display:grid;grid-template-columns:1fr 1fr;gap:.9rem;align-items:end}
.brief-form .form-wide{grid-column:1/-1}
.brief-form textarea{resize:vertical}
.brief-form label span{font-size:.7rem;font-weight:400;letter-spacing:0;text-transform:none}
.brief-form .inquiry-consent{display:flex;align-items:flex-start;gap:.7rem;color:var(--slate);font-size:var(--text-sm)}
.brief-form .inquiry-consent span{font-size:inherit}
.brief-form .inquiry-consent input{width:18px;height:18px;flex:none;margin-top:2px;accent-color:var(--emerald)}
.brief-form .inquiry-consent:has([aria-invalid="true"]){color:#A5281B}
.inquiry-trap{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.brief-form .btn:disabled{opacity:.65;cursor:wait}
.brief-form .btn{height:50px}
.brief-form [aria-invalid="true"]{border-color:#C0392B}
.form-msg{grid-column:1/-1;font-size:var(--text-sm);margin:0;min-height:1.2em}
.form-msg.ok{color:var(--emerald-dk)}.form-msg.err{color:#A5281B}

/* Risks */
.risk-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden}
.risk-grid li{background:#fff;padding:clamp(1.4rem,3vw,2rem)}
.risk-grid h3{font-size:var(--text-base);margin-bottom:.5rem;padding-left:1rem;border-left:2px solid var(--gold)}
.risk-grid p{font-size:var(--text-sm);margin:0}

/* CTA */
.cta{background:var(--navy-ink);color:#B9C6D4;padding-block:clamp(4rem,8vw,6.5rem);border-bottom:1px solid var(--line-dk)}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.cta h2{color:#fff;margin-bottom:.5rem}
.cta p{margin:0}
.cta-btns{display:flex;gap:.9rem;flex-wrap:wrap}

/* Footer */
.site-footer{background:var(--navy-ink);color:#8A9AAD;padding:3.5rem 0 2.5rem;font-size:var(--text-sm)}
.foot-top{display:flex;justify-content:space-between;align-items:center;gap:1.5rem;flex-wrap:wrap}
.foot-nav{display:flex;gap:1.75rem;flex-wrap:wrap}
.foot-nav a{color:#C9D3DE;text-decoration:none}
.foot-nav a:hover{color:#fff}
.foot-tag{font-size:var(--text-xs);font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--emerald-lt);margin:1.5rem 0 2rem}
.foot-legal{border-top:1px solid var(--line-dk);padding-top:1.5rem;font-size:var(--text-xs);line-height:1.6}
.foot-legal p{max-width:70rem}

/* Responsive */
@media (max-width:1080px){
  .nav{gap:1.4rem}
  .hero-grid{grid-template-columns:1fr;min-height:auto}
  .dial{max-width:520px}
  .calc{grid-template-columns:1fr}
  .calc-inputs{border-right:0;border-bottom:1px solid var(--line)}
  .brief{grid-template-columns:1fr}
}
@media (max-width:960px){
  .menu-btn{display:block}
  .nav{position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:.5rem 1.25rem 1.25rem;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(14,42,71,.08);display:none}
  .nav.open{display:flex}
  .nav a:not(.btn){padding:.95rem 0;border-bottom:1px solid var(--line)}
  .nav a:not(.btn)::after{display:none}
  .nav .btn{margin-top:1rem}
  .split,.split-qa{grid-template-columns:1fr}
  .paths{grid-template-columns:1fr}
  .stat-row{grid-template-columns:1fr 1fr}
  .stat-wide{grid-column:1/-1}
  .inverse{grid-template-columns:1fr;gap:.25rem}
  .band{grid-template-columns:1fr}
  .band img{max-height:360px}
  .res-grid{grid-template-columns:1fr 1fr}
  .res-feature{grid-column:1/-1}
  .risk-grid{grid-template-columns:1fr 1fr}
  .brief-form{grid-template-columns:1fr 1fr}
  .brief-form .btn{grid-column:1/-1}
}
@media (max-width:600px){
  .wrap{width:min(1200px,100% - 2.5rem)}
  .header-inner{height:68px}
  .nav{top:68px}
  .hero::after{background:linear-gradient(180deg,rgba(8,26,44,.82) 0%,rgba(8,26,44,.9) 60%,rgba(8,26,44,.96) 100%)}
  .hero-bg img{object-position:75% center}
  .hero-ctas .btn{flex:1 1 100%}
  .formula-pair{grid-template-columns:1fr}
  .stat-row{grid-template-columns:1fr}
  .why-grid{grid-template-columns:1fr}
  .kpis{grid-template-columns:1fr 1fr}
  .field-row{grid-template-columns:1fr}
  .res-grid,.risk-grid{grid-template-columns:1fr}
  .brief-form{grid-template-columns:1fr}
  .cta-btns .btn{flex:1 1 100%}
  .tabs{display:flex}
  .tabs button{flex:1;padding:.85rem .6rem}
  .doubling th,.doubling td{padding-inline:.3rem}
  .hide-sm{display:none}
}